Help to Buy mortgages explained by Your Mortgage Expert

You might have heard of the Government’s Help to Buy mortgage guarantee scheme and wonder whether you would be eligible. We can help you understand what you can afford and which of the lenders who have signed up to the scheme would be most suitable for you.

Help to Buy mortgages help people get on the property ladder or move up the property ladder. To find out more, read below or get in contact with us.

About Help to Buy

If the following sounds like you, then you might be eligible:

• You have a 5% deposit• You want to purchase a property in the UK• You’re thinking about properties with a value under £600,000• You want to live in the property you are purchasing (rather than rent it out)• You’re thinking a repayment mortgage might be right for you

If so, why not speak to us. We understand how these mortgages work, how to apply and can find you the most appropriate deal from the lenders signed up to the Help to Buy scheme.

We don’t charge for the initial consultation, so by speaking to us, you are under no obligation. So why not get in touch and take that first important step. We are based in Salisbury, Wiltshire, but we can help you no matter where you live in the UK.

Things to think about

There are a number of things you need to think about before you take steps to take out a mortgage for the first time. We will talk you through all of these and ensure you are clear on all the risks and benefits before you proceed. Some of the things you should consider are:

What type of mortgage is most suitable for you?

Can you afford the mortgage payments on top of your current liabilities?

What level of risk is appropriate for you?

Your home could be at risk if you don’t keep up your mortgage payments. Our professional, experienced mortgage advisers will ensure you understand if a first time buyer mortgage is appropriate for you before proceeding.

We don’t charge for an initial consultation, so by speaking with us, you won’t be under any obligation. To find out more about our services and how we operate, contact us.

About Your Mortgage Expert

At Your Mortgage Expert, we offer whole of market, independent mortgage advice. We provide a personal and knowledgeable service. You can trust us to be on your side and to find the most appropriate deal for you. We have experience of working with First Time Buyers and helping customers with the Government’s Help to Buy schemes.

Your Mortgage Expert Help to Buy customers

Chris, from Fareham in Hampshire, was looking to buy his first property. Adam Nanson, Managing Director of Your Mortgage Expert, found him a mortgage which helped him to buy a property using the Government backed Help to Buy equity loan scheme. He was recommended Adam Nanson from Your Mortgage Expert by a friend and since he was a First Time Buyer, thought he’d give him a try.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Your Mortgage Expert Ltd. is an appointed representative of Tenetlime Ltd, which is authorised and regulated by the Financial Conduct Authority. Tenetlime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 311266

Your Mortgage Expert Ltd is registered in England and Wales under reference 08924507.

Registered office address: 18 New Canal, Salisbury, SP1 2AQ.
The Guidance provided within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.